Pull structured income and employment data via the Mastercard Open Banking (Finicity) Verification of Income and Employment (VOIE) API

Steps

1. Provision VOIE product access on the Mastercard Developers portal and create a customer record for the applicant using the Finicity aggregation API
2. Initiate a Finicity Connect session (payroll-connection flow) for the consumer to authenticate with their payroll provider; alternatively use the Deposit Income flow for bank-based income verification
3. Upon successful payroll connection, call POST /decisioning/v2/customers/{customerId}/voieTxVerify/withStatement or the appropriate VOIE endpoint for your verification method to generate a VOIE report
4. Wait for the report to complete by polling the report status endpoint or listening for the report-completion webhook; retrieve the final report with GET /decisioning/v2/customers/{customerId}/reports/{reportId}
5. Parse the report for employer name, employment status, pay type, pay frequency, and gross income; use the provided annualized income field for DTI calculations
6. For GSE-eligible transactions, use Finicity's Fannie Mae/Freddie Mac submission flow to deliver the VOIE report directly to the GSE's asset/income verification service